Kimberly Negrete

A good credit score generally leads to a great mortgage rate in our current tight lending market. Get three separate credit report and make sure their information is correct. Banks typically don't approve anyone with a credit score of less than 620 today.

Many sellers just want out and will help you out.You will make two payments each month, but you will be able to get a mortgage loan.

Think about a mortgage that will let you make your payments bi-weekly. This lets you make an additional two payments every year and reduce your overall interest. It is a great idea to have payments can just be taken right from your account.